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    <title>SoloBuilder &amp;mdash; Hey, it&#39;s Bernie!</title>
    <link>https://berniepng.com/tag:SoloBuilder</link>
    <description>Building at the intersection of AI, data, and real-world impact. Singapore.</description>
    <pubDate>Mon, 01 Jun 2026 18:24:05 +0000</pubDate>
    <item>
      <title>Why I’m Doubling Down on AI Singapore: National Ideology and the Future of Local Talent</title>
      <link>https://berniepng.com/why-im-doubling-down-on-ai-singapore-national-ideology-and-the-future-of</link>
      <description>&lt;![CDATA[Can a solo-builder contribute to Singapore’s national AI mission? I’m pursuing an AI Singapore apprenticeship to help transform our local talent into a global export.&#xA;&#xA;---&#xA;&#xA;I recently had a realization while watching Dispatches from Elsewhere: staying quiet is a form of selfishness. In the show, Fredwynn tells Peter that by not sharing his perspective, he’s withholding something valuable from the group. That hit home. For too long, I’ve been a quiet solo-builder, but as I pursue an apprenticeship with AI Singapore (AISG), I’ve realized that my mission, and the knowledge I gain, belongs to the community.&#xA;&#xA;Singapore has no natural resources; we only have our people. I believe AI is our unique opportunity to transcend our physical limits and export local talent to the world. To get there, I’m attacking this from three angles: building real-world solutions, earning technical certifications, and finally, refusing to be &#39;selfish&#39; by sharing every step of this journey in public.&#xA;&#xA;First I will just solo-build, or team-build (I don&#39;t have many friends to start with actually), help my friends solve their issues, learning and building at the same time.&#xA;Secondly, I will build my credibility by getting certifications, skills and knowledge &#xA;And third, I will resolve to share more about my journey, because I recently realized that if I don&#39;t share, I&#39;m being selfish with my knowledge. So ... I will share more, here on my blog, and also look out for upcoming videos on YouTube.&#xA;&#xA;If I don&#39;t get the apprenticeship I will still keep building. &#xA;&#xA;Thanks for reading.&#xA;&#xA;#reflection #ai #apprenticeship #AISingapore #AISG #SingaporeTech #SoloBuilder #AIGovernance #SmartNation #CareerPivot #LearningInPublic]]&gt;</description>
      <content:encoded><![CDATA[<p>Can a solo-builder contribute to Singapore’s national AI mission? I’m pursuing an AI Singapore apprenticeship to help transform our local talent into a global export.</p>

<hr>

<p>I recently had a realization while watching Dispatches from Elsewhere: staying quiet is a form of selfishness. In the show, Fredwynn tells Peter that by not sharing his perspective, he’s withholding something valuable from the group. That hit home. For too long, I’ve been a quiet solo-builder, but as I pursue an apprenticeship with AI Singapore (AISG), I’ve realized that my mission, and the knowledge I gain, belongs to the community.</p>

<p>Singapore has no natural resources; we only have our people. I believe AI is our unique opportunity to transcend our physical limits and export local talent to the world. To get there, I’m attacking this from three angles: building real-world solutions, earning technical certifications, and finally, refusing to be &#39;selfish&#39; by sharing every step of this journey in public.</p>
<ul><li>First I will just solo-build, or team-build (I don&#39;t have many friends to start with actually), help my friends solve their issues, learning and building at the same time.</li>
<li>Secondly, I will build my credibility by getting certifications, skills and knowledge</li>
<li>And third, I will resolve to share more about my journey, because I recently realized that if I don&#39;t share, I&#39;m being selfish with my knowledge. So ... I will share more, here on my blog, and also look out for upcoming videos on YouTube.</li></ul>

<p>If I don&#39;t get the apprenticeship I will still keep building.</p>

<p>Thanks for reading.</p>

<p><a href="https://berniepng.com/tag:reflection" class="hashtag"><span>#</span><span class="p-category">reflection</span></a> <a href="https://berniepng.com/tag:ai" class="hashtag"><span>#</span><span class="p-category">ai</span></a> <a href="https://berniepng.com/tag:apprenticeship" class="hashtag"><span>#</span><span class="p-category">apprenticeship</span></a> <a href="https://berniepng.com/tag:AISingapore" class="hashtag"><span>#</span><span class="p-category">AISingapore</span></a> <a href="https://berniepng.com/tag:AISG" class="hashtag"><span>#</span><span class="p-category">AISG</span></a> <a href="https://berniepng.com/tag:SingaporeTech" class="hashtag"><span>#</span><span class="p-category">SingaporeTech</span></a> <a href="https://berniepng.com/tag:SoloBuilder" class="hashtag"><span>#</span><span class="p-category">SoloBuilder</span></a> <a href="https://berniepng.com/tag:AIGovernance" class="hashtag"><span>#</span><span class="p-category">AIGovernance</span></a> <a href="https://berniepng.com/tag:SmartNation" class="hashtag"><span>#</span><span class="p-category">SmartNation</span></a> <a href="https://berniepng.com/tag:CareerPivot" class="hashtag"><span>#</span><span class="p-category">CareerPivot</span></a> <a href="https://berniepng.com/tag:LearningInPublic" class="hashtag"><span>#</span><span class="p-category">LearningInPublic</span></a></p>
]]></content:encoded>
      <guid>https://berniepng.com/why-im-doubling-down-on-ai-singapore-national-ideology-and-the-future-of</guid>
      <pubDate>Sun, 08 Mar 2026 03:15:20 +0000</pubDate>
    </item>
    <item>
      <title>Beyond Revenue: Building a Dashboard for Growth and Solvency Ratios</title>
      <link>https://berniepng.com/beyond-revenue-building-a-dashboard-for-growth-and-solvency-ratios</link>
      <description>&lt;![CDATA[As a self-proclaimed &#39;financial illiterate,&#39; I used Gemini 3 to build a Python dashboard that tracks the Rule of 40, Altman-Z, and other metrics to find high-growth companies.&#xA;&#xA;---&#xA;&#xA;I am no good with money and have never really invested in anything other than one piece of property in my life. But I was thinking, is there a way to identify high-growth companies and be able to predict their ability to stay as leaders and invest in them. What would be the benchmarks and metrics to measure their worth on? &#xA;&#xA;So I wanted to try and create a dashboard, which will tell me at a glance a sort of a health-check, whether a particular company is doing well or not. &#xA;&#xA;img src=&#34;https://cdn.bernie.studio/JF6jaVNVew/medium.webp&#34; /&#xA;&#xA;I chose Gemini 3&#39;s thinking model for this. Apparently it &#34;solves complex problems&#34;. But my problem isn&#39;t really complex, I just wanted a python script calling an API and visualization using Streamlit.&#xA;&#xA;Here&#39;s my starting prompt&#xA;&#xA;What followed was about 2-3 hours of Gemini and I coding out a script which connects to yfinance to get real-time data, but now I heard that it isn&#39;t that reliable. Here&#39;s version 1 of the dashboard.&#xA;&#xA;Project Specs:&#xA;Stack: Python, Streamlit, yfinance API&#xA;AI Collaborator: Gemini 3 (Thinking Model)&#xA;Build Time: 2 days (from concept to prototype)&#xA;Goal: Demystifying complex financial health checks for non-experts.&#xA;&#xA;Check it out --  Bernie&#39;s Finance Dashboard&#xA;&#xA;img src=&#34;https://cdn.bernie.studio/Z059EVhm/medium.webp&#34; /&#xA;&#xA;What it does&#xA;You pick a ticker you want to analyze&#xA;The dashboard will show you some meaningful financial metrics&#xA; The Rule of 40: Balances growth vs. profitability—a must-have for SaaS companies.&#xA; S&amp;M Efficiency Ratio: Measures how much revenue you get for every dollar spent on Sales and Marketing.&#xA; Altman-Z Score: A &#34;crystal ball&#34; formula used to predict the likelihood of a company going bankrupt within two years.&#xA; Cash Runway: Tells you exactly how many months a company can survive if it doesn&#39;t make another cent.&#xA;There&#39;s also a way for you to enter a benchmark ticker to compare with your target ticker&#xA;If you are unsure of the what the metrics mean, there&#39;s also a quick guide on what those metrics measure&#xA;&#xA;On to my next project! Enjoy!&#xA;&#xA;#finance #ai #built #Python #Streamlit #FinTech #Gemini3 #SoloBuilder #DataVisualization #FinancialLiteracy #GrowthMetrics&#xA;]]&gt;</description>
      <content:encoded><![CDATA[<p>As a self-proclaimed &#39;financial illiterate,&#39; I used Gemini 3 to build a Python dashboard that tracks the Rule of 40, Altman-Z, and other metrics to find high-growth companies.</p>

<hr>

<p>I am no good with money and have never really invested in anything other than one piece of property in my life. But I was thinking, is there a way to identify high-growth companies and be able to predict their ability to stay as leaders and invest in them. What would be the benchmarks and metrics to measure their worth on?</p>

<p>So I wanted to try and create a dashboard, which will tell me at a glance a sort of a health-check, whether a particular company is doing well or not.</p>

<p><img src="https://cdn.bernie.studio/JF6jaVNVew/medium.webp"/></p>

<p>I chose Gemini 3&#39;s thinking model for this. Apparently it “solves complex problems”. But my problem isn&#39;t really complex, I just wanted a python script calling an API and visualization using Streamlit.</p>

<p>Here&#39;s my starting prompt
<code>what are the key indicators of companies when evaluating their business growth potential and revenue model, and what kind of competitive analysis data should I collect to compare similar companies to separate the winners from the losers</code></p>

<p>What followed was about 2-3 hours of Gemini and I coding out a script which connects to yfinance to get real-time data, but now I heard that it isn&#39;t that reliable. Here&#39;s version 1 of the dashboard.</p>

<h2 id="project-specs" id="project-specs">Project Specs:</h2>
<ul><li>Stack: Python, Streamlit, yfinance API</li>
<li>AI Collaborator: Gemini 3 (Thinking Model)</li>
<li>Build Time: 2 days (from concept to prototype)</li>
<li>Goal: Demystifying complex financial health checks for non-experts.</li></ul>

<p>Check it out —&gt; <a href="https://demo.bernie.studio/finance/">Bernie&#39;s Finance Dashboard</a></p>

<p><img src="https://cdn.bernie.studio/Z05_9EVh_m/medium.webp"/></p>

<h2 id="what-it-does" id="what-it-does">What it does</h2>
<ol><li>You pick a ticker you want to analyze</li>
<li>The dashboard will show you some meaningful financial metrics
<ul><li>The Rule of 40: Balances growth vs. profitability—a must-have for SaaS companies.</li>
<li>S&amp;M Efficiency Ratio: Measures how much revenue you get for every dollar spent on Sales and Marketing.</li>
<li>Altman-Z Score: A “crystal ball” formula used to predict the likelihood of a company going bankrupt within two years.</li>
<li>Cash Runway: Tells you exactly how many months a company can survive if it doesn&#39;t make another cent.</li></ul></li>
<li>There&#39;s also a way for you to enter a benchmark ticker to compare with your target ticker</li>
<li>If you are unsure of the what the metrics mean, there&#39;s also a quick guide on what those metrics measure</li></ol>

<p>On to my next project! Enjoy!</p>

<p><a href="https://berniepng.com/tag:finance" class="hashtag"><span>#</span><span class="p-category">finance</span></a> <a href="https://berniepng.com/tag:ai" class="hashtag"><span>#</span><span class="p-category">ai</span></a> <a href="https://berniepng.com/tag:built" class="hashtag"><span>#</span><span class="p-category">built</span></a> <a href="https://berniepng.com/tag:Python" class="hashtag"><span>#</span><span class="p-category">Python</span></a> <a href="https://berniepng.com/tag:Streamlit" class="hashtag"><span>#</span><span class="p-category">Streamlit</span></a> <a href="https://berniepng.com/tag:FinTech" class="hashtag"><span>#</span><span class="p-category">FinTech</span></a> <a href="https://berniepng.com/tag:Gemini3" class="hashtag"><span>#</span><span class="p-category">Gemini3</span></a> <a href="https://berniepng.com/tag:SoloBuilder" class="hashtag"><span>#</span><span class="p-category">SoloBuilder</span></a> <a href="https://berniepng.com/tag:DataVisualization" class="hashtag"><span>#</span><span class="p-category">DataVisualization</span></a> <a href="https://berniepng.com/tag:FinancialLiteracy" class="hashtag"><span>#</span><span class="p-category">FinancialLiteracy</span></a> <a href="https://berniepng.com/tag:GrowthMetrics" class="hashtag"><span>#</span><span class="p-category">GrowthMetrics</span></a></p>
]]></content:encoded>
      <guid>https://berniepng.com/beyond-revenue-building-a-dashboard-for-growth-and-solvency-ratios</guid>
      <pubDate>Sat, 28 Feb 2026 14:07:09 +0000</pubDate>
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